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Last reviewed: 20 September 2026 | Source review required
Travel medical insurance is mandatory for UAE 5-year tourist visa applications and residence visa categories , and is strongly recommended for all Indian travellers visiting the UAE regardless of visa type. Healthcare in the UAE is among the most expensive in the world.
Insurance Requirements by Visa Category
| Visa Type | Insurance Required? | Minimum Coverage |
|---|---|---|
| 30-day tourist visa | Recommended, not mandatory for application | USD 30,000+ recommended |
| 60-day tourist visa | Recommended, not mandatory for application | USD 30,000+ recommended |
| 90-day tourist visa | Recommended, not mandatory for application | USD 50,000+ recommended |
| 5-year tourist visa | Required for application | USD 50,000 minimum |
| UAE Golden Visa | Required | UAE DHA/HAAD approved plan |
| UAE Residence Visa (employment) | Required , employer provides | UAE-registered health plan |
| UAE family/dependent visa | Required | UAE-registered health plan |
Indian Travel Insurance Providers Accepted for UAE
| Insurer | Plan Type | Approx. Premium (7 days) | Coverage |
|---|---|---|---|
| Star Health | Overseas Travel Insurance | ₹800–1,500 | USD 50,000–500,000 |
| ICICI Lombard | Travel Insurance Plan | ₹700–1,400 | USD 50,000–500,000 |
| HDFC ERGO | Travel Insurance | ₹750–1,600 | USD 50,000–500,000 |
| Bajaj Allianz | Travel Companion | ₹600–1,300 | USD 50,000–500,000 |
| Tata AIG | Travel Guard | ₹700–1,500 | USD 50,000–500,000 |
Premiums indicative for a healthy adult aged 25–45 for 7-day UAE trip. Prices vary by age, coverage, and add-ons.
What Your UAE Travel Insurance Must Cover
- Emergency medical treatment and hospitalisation
- Emergency medical evacuation to India
- Repatriation of remains (morbid but legally required in some policy structures)
- 24/7 emergency assistance helpline
- Coverage explicitly stated for United Arab Emirates
UAE Healthcare Costs Without Insurance (Why Insurance Matters)
| Medical Event | Estimated UAE Cost (AED) | Approx. INR |
|---|---|---|
| Emergency room visit (minor) | AED 1,500–3,000 | ₹35,000–₹70,000 |
| Emergency room visit (serious) | AED 5,000–15,000 | ₹1.15L–₹3.45L |
| 1 night hospital stay | AED 8,000–20,000 | ₹1.84L–₹4.60L |
| Appendix surgery | AED 25,000–60,000 | ₹5.75L–₹13.80L |
| Medical evacuation to India | AED 40,000–120,000 | ₹9.20L–₹27.60L |
For standard 30-day UAE tourist visa applications through evisa-uae.org, travel medical insurance is recommended but not always requested at the document submission stage. For 60-day, 90-day, and 5-year visa applications, we ask for proof of UAE-coverage insurance as part of the document set. If you are not sure which policy to get, any Indian insurer offering overseas travel insurance with explicit UAE coverage and a minimum of USD 50,000 medical expense cover meets the requirement. evisa-uae.org also offers a medical insurance add-on through our services page.
Before you submit an application
Once you understand the route discussed above, verify the current rule with the relevant official authority and use the checker to confirm your document readiness.
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Start My Application →Frequently Asked Questions
Travel medical insurance is mandatory for UAE residence visas and strongly recommended for tourist visas. For the UAE 5-year multiple entry tourist visa, travel insurance with minimum USD 50,000 medical coverage is a documented application requirement. Standard 30-day tourist visa applicants are not legally required to show insurance but are strongly advised to carry it.
For UAE visa applications requiring insurance proof, the minimum accepted coverage is USD 50,000 (approximately ₹41,50,000) for medical expenses. For UAE residence visa applicants, the UAE mandates that employers provide UAE-registered health insurance to all employees and their dependents.
Yes. Travel insurance purchased from Indian insurers , including Star Health, ICICI Lombard, HDFC ERGO, Bajaj Allianz, and Tata AIG , is accepted for UAE visa applications, provided the policy explicitly covers UAE and provides the minimum required medical coverage.
UAE does not have universal public healthcare for tourists. Without travel insurance, any medical treatment in UAE must be paid directly , costs can be extremely high. A single emergency room visit can cost AED 1,500–5,000 (₹35,000–₹1,15,000). Surgery or hospitalisation can cost AED 50,000–500,000+ (₹11.5 lakh–₹1.15 crore).